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Mortgage Processing And Underwriting

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The role of mortgage underwriter
Mortgage Processing And Underwriting | Videos

Role of Mortgage Underwriter During The Mortgage Process

ByGustan Cho Posted onMarch 20, 2024April 7, 2025

In this blog, we will cover the role of mortgage underwriter during the mortgage process. The role of mortgage underwriter…

Continue Reading Role of Mortgage Underwriter During The Mortgage ProcessContinue

How Do Mortgage Underwriters Calculate Income of Borrowers
Mortgage Processing And Underwriting | Income And Employment | NON-QM Loans | Videos

How Do Mortgage Underwriters Calculate Income of Borrowers

ByGustan Cho Posted onMarch 20, 2024October 8, 2024

This guide covers how do mortgage underwriters calculate income of borrowers. Income is the most important aspect of qualifying for…

Continue Reading How Do Mortgage Underwriters Calculate Income of BorrowersContinue

Credit Tradelines NOT Reporting To Credit Bureaus
Credit Disputes | Credit Scores | Home Mortgages | Mortgage Processing And Underwriting | Videos

Credit Tradelines NOT Reporting To Credit Bureaus

ByGustan Cho Posted onMarch 19, 2024March 11, 2025

This guide addresses the issue of credit tradelines not reporting to credit bureaus. When faced with this situation, finding solutions…

Continue Reading Credit Tradelines NOT Reporting To Credit BureausContinue

FHA Total Scorecard
Mortgage Processing And Underwriting | Compensating Factors | FHA Loans | Manual Underwriting | Mortgage Lender Overlays | Verification Of Rent | Videos

Revised FHA Total Scorecard Underwriting Guidelines

ByGustan Cho Posted onMarch 19, 2024August 13, 2024

This blog will cover the FHA Total Scorecard and how it works. The United States Department of Housing and Urban…

Continue Reading Revised FHA Total Scorecard Underwriting GuidelinesContinue

Preparing For Mortgage Process In Illinois
Home Purchase | Mortgage Processing And Underwriting | Property Taxes | Real Estate Topic | Videos

Preparing For Mortgage Process In Illinois

ByGustan Cho Posted onMarch 14, 2024August 9, 2024

This guide covers preparing for mortgage process in Illinois. Preparing For Mortgage Process In Illinois is different than other states….

Continue Reading Preparing For Mortgage Process In IllinoisContinue

Loan Estimate Versus Closing Disclosure
Home Mortgages | Mortgage Processing And Underwriting | Regulations | Videos

Loan Estimate Versus Closing Disclosure Closing Costs

ByAlex Carlucci Posted onMarch 14, 2024August 9, 2024

Closing costs on the Loan Estimate versus Closing Disclosure will most likely be different. The itemized closing costs on the…

Continue Reading Loan Estimate Versus Closing Disclosure Closing CostsContinue

Warehouse Line of Credit
Home Mortgages | Mortgage Processing And Underwriting | Videos

Warehouse Line of Credit Used By Mortgage Bankers

ByGustan Cho Posted onMarch 13, 2024August 9, 2024

In this blog, we will discuss and cover the warehouse line of credit used by mortgage bankers and correspondent lenders….

Continue Reading Warehouse Line of Credit Used By Mortgage BankersContinue

How Do Mortgage Underwriters Qualify Borrowers
Home Mortgages | Automated Underwriting System | Conditional Loan Approval | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

How Do Mortgage Underwriters Qualify Borrowers

ByGustan Cho Posted onMarch 11, 2024October 8, 2024

In this blog, we will cover and discuss how do mortgage underwriters qualify borrowers. Credit scores and income is what…

Continue Reading How Do Mortgage Underwriters Qualify BorrowersContinue

Preparing For Home Loan
Qualifying & Getting Pre-approved | Mortgage Processing And Underwriting | Videos

Preparing For Home Loan Before Applying For a Mortgage

BySapna Sharma Posted onMarch 6, 2024August 8, 2024

This blog will cover preparing for home loan before applying for a mortgage for a smooth mortgage approval without stress….

Continue Reading Preparing For Home Loan Before Applying For a MortgageContinue

Changing Lenders During Underwriting Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Changing Lenders During Underwriting Process

ByGustan Cho Posted onMarch 1, 2024July 3, 2024

This guide covers changing lenders during underwriting process before closing. The mortgage approval process does not have to be stressful…

Continue Reading Changing Lenders During Underwriting ProcessContinue

How Holidays Affects The Mortgage Process
Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Regulations | Videos

How Holidays Affect The Mortgage Process and Closings

ByMargarett Jurilla Posted onMarch 1, 2024August 8, 2024

This guide covers how holidays affect the mortgage process and can delay home closings. As the holidays come around our…

Continue Reading How Holidays Affect The Mortgage Process and ClosingsContinue

Loan Officer Document Checklist To Start Mortgage Process
Career Opportunities/Loan Officer Training | Mortgage Processing And Underwriting | Videos

Loan Officer Document Checklist To Start Mortgage Process

ByApril Ramirez Posted onFebruary 28, 2024April 26, 2024

This guide covers the loan officer document checklist. This article on the Loan Officer Document Checklist is a series of…

Continue Reading Loan Officer Document Checklist To Start Mortgage ProcessContinue

Employer Distance Requirements
Income And Employment | Mortgage Processing And Underwriting | Qualifying & Getting Pre-approved | Videos

Employer Distance Requirements on Primary Home Mortgages

ByApril Ramirez Posted onFebruary 28, 2024April 7, 2025

In this blog, we will cover employer distance requirements on primary home mortgages. Employer Distance Requirements On Primary Home Mortgages…

Continue Reading Employer Distance Requirements on Primary Home MortgagesContinue

How Underwriters Qualify Income
Income And Employment | Mortgage Processing And Underwriting | Videos

How Underwriters Qualify Income To Approve Mortgage Loans

ByGustan Cho Posted onFebruary 27, 2024January 24, 2025

This guide covers how underwriters qualify income to approve mortgage loans. Many mortgage loan applicants do not have the role…

Continue Reading How Underwriters Qualify Income To Approve Mortgage LoansContinue

Downsizing To A Smaller Home
Home Purchase | Mortgage Processing And Underwriting | Real Estate Topic | Videos

Qualifying For a Mortgage Downsizing To a Smaller Home

ByGustan Cho Posted onFebruary 26, 2024August 6, 2024

This  guide covers qualifying for a home loan downsizing to a smaller home. It makes no sense in having a…

Continue Reading Qualifying For a Mortgage Downsizing To a Smaller HomeContinue

Last-Minute Mortgage Denial By Mortgage Underwriters
Mortgage Processing And Underwriting | Videos

Reasons For Last-Minute Mortgage Denial From Underwriters

ByGustan Cho Posted onFebruary 25, 2024August 6, 2024

There is no reason why a pre-approved borrower should ever get a last-minute mortgage denial by a mortgage underwriter. The main reason why borrowers get a last-minute mortgage

Continue Reading Reasons For Last-Minute Mortgage Denial From UnderwritersContinue

Things That Can Delay Your Mortgage Loan Closing
Videos | Clear To Close | Mortgage Processing And Underwriting

Things That Can Delay Your Mortgage Loan Closing

ByGustan Cho Posted onFebruary 21, 2024June 11, 2024

This guide covers things that can delay your mortgage loan closing. A mortgage loan should be able to close in…

Continue Reading Things That Can Delay Your Mortgage Loan ClosingContinue

Getting Faster Mortgage Approvals
Mortgage Processing And Underwriting | Clear To Close | Qualifying & Getting Pre-approved | Videos

Getting Faster Mortgage Approvals and Closing on Time

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

Borrowers should not stress during the mortgage process. . There is no reason why there should be stress during the mortgage process.

Continue Reading Getting Faster Mortgage Approvals and Closing on TimeContinue

Steps in Mortgage Process
Clear To Close | Mortgage Processing And Underwriting | Videos

Steps in Mortgage Process For Closing Home Loan on Time

ByGustan Cho Posted onFebruary 16, 2024August 6, 2024

This guide covers the steps in mortgage process for closing home loan on time. Homebuyers looking to purchase a new…

Continue Reading Steps in Mortgage Process For Closing Home Loan on TimeContinue

Mortgage Underwriter Errors When Underwriting Borrowers
Mortgage Processing And Underwriting | Videos

Mortgage Underwriter Errors

ByGustan Cho Posted onFebruary 15, 2024August 6, 2024

This guide covers mortgage underwriter errors causing borrowers a loan denial. Mortgage underwriter errors do happen. Underwriters are human and…

Continue Reading Mortgage Underwriter ErrorsContinue

Mortgage Denied After Pre-Approval
Mortgage Processing And Underwriting

Mortgage Denied After Pre-Approval By Underwriters

ByMargarett Jurilla Posted onFebruary 13, 2024August 5, 2024

In this blog post, we will explore a tackle problem many borrowers face – Mortgage Denied After Pre-Approval. The landscape…

Continue Reading Mortgage Denied After Pre-Approval By UnderwritersContinue

Underwriters Conditions
Mortgage Processing And Underwriting | Clear To Close | Videos

Clearing Underwriters Conditions To Submit For Clear To Close

ByLaurie Cho Posted onFebruary 6, 2024August 5, 2024

In this guide, we address underwriters conditions to pave the way for a clear-to-close submission. Whether individuals seek approval for…

Continue Reading Clearing Underwriters Conditions To Submit For Clear To CloseContinue

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About Us

Gustan Cho Associates are Mortgage Advisor licensed in 48 states including Washington DC, Puerto Rico, and the U.S Virgin Islands (Not licensed in NY and MA). The team at Gustan Cho Associates has a national reputation of being able to do mortgage loans other mortgage companies cannot do. Gustan Cho Associates dba of NEXA Mortgage has a lending partnerships with over 190 wholesale mortgage lenders with dozens of no overlay lending partners on government and conventional loans and countless non-QM and alternative lending partners. Over 80% of our clients are borrowers who could not qualify at other mortgage companies either due to a last-minute mortgage loan denial due to lender overlays or because the lender did not have the mortgage loan program suited for the borrower. At Gustan Cho Associates, we only market mortgage loan products that exists and are possible.

Recent Articles

  • Hard Money Lenders
    Simple Truth: What Are Hard Money Lenders and How They HelpMay 5, 2025
  • Wholesale Mortgage Lenders for Non-Prime Loans
    Best Wholesale Mortgage Lenders For Non-Prime LoansMay 5, 2025
  • Qualifying for Mortgage with Irregular Income
    Qualifying For Mortgage With Irregular IncomeApril 30, 2025
  • Home Loan with Tax Lien
    Home Loan With Tax Lien And Judgment Mortgage GuidelinesApril 29, 2025

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Equal Housing Opportunity Lender Gustan Cho Associates empowered by NEXA Mortgage LLC. NMLS# 1660690,
Corporate Address: 3100 Ray Road Suite 201 Office # 209 | Chandler AZ 85226 Company NMLS 1660690, Gustan Cho NMLS #873293 Company State License #: AZMB - 0944059, Branch: 17W662 Butterfield Road Suite 305 Oakbrook Terrace, Illinois 60181 Branch NMLS 2315275 AXEN is a dba of NEXA Mortgage LLC
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CALL NOW
  • About Us
    • Contact Us
    • Get Pre-Approved
    • Order Credit
    • FICO Simulator
    • MLO License School
    • Why Choose Us
    • Meet Our Team
    • Loan Limits
      • FHA Loan Limits
      • Conforming Loan Limits
    • Preferred Realtor Partner Network
      • Dino Hasapis | Licensed Real Estate Broker | PRPN Director
      • Oakbrook Terrace, Illinois | Gustan Cho Associates Mortgage
  • Types Of Mortgages
    • Purchase
      • Home Purchase Loans
      • Investment Property Loan
    • Refinance
      • Refinance Mortgage Options
      • Chapter 13 Bankruptcy Cash-Out-Buyout
      • FHA Streamline Refinance
      • VA Streamline Refinance
      • Refinancing NON-QM Loans Into Conventional Mortgages
      • Refinance FHA To Conventional Loans
    • FHA Home Loans
      • FHA Manual Underwriting
      • FHA Chapter 13 Bankruptcy Guidelines
      • FHA Loans For Bad Credit
      • FHA Loans For Low Credit Scores
      • FHA Collections
      • FHA Loans Charged Off Accounts
      • W-2 Income Only FHA Loans
      • FHA Loans With Tax Lien
      • FHA Loan With Judgment
    • VA Home Loans
      • VA Manual Underwriting
      • VA Chapter 13 Bankruptcy Guidelines
      • VA Loans For Bad Credit
      • VA Loans For Low Credit Scores
      • VA Loans With Charged-Off Accounts
      • W-2 Income Only VA Loans
      • VA Loans with Tax Lien
      • VA Loan with Judgment
    • USDA Loans
    • How to Get DACA Mortgage Loans Without the Stress
    • Conventional Loans
      • Conventional Loans W-2 Income ONLY Mortgages
      • Conventional Loans After Foreclosure
      • Conventional Loans After Bankruptcy
      • Conventional Loan With Tax Lien
      • Conventional Loan With Judgment
    • Condotel Financing
    • NON-QM Loans
      • Bank Statement Loans
      • DSCR Loans
      • Asset-Depletion
      • Foreign Nationals
      • ITIN Mortgage Loans
      • No-Doc Loans
    • Jumbo Mortgage
    • FHA 203K Loans
    • Reverse Mortgages
    • Commercial Loans
  • Careers
    • Can Realtors Be MLOs At The Same Time
    • Career Opportunities
      • Training a New Mortgage Loan Officer Without Any Experience
      • MLO License School
    • Mortgage Branch Careers
    • Remote Mortgage Loan Officer Career Opportunities
    • How Do I Become A Mortgage Loan Officer
    • MLO Revenue Share Residual Income Opportunity
  • Videos
  • Blogs
    • Headline News Archives
  • Testimonials
  • Talk To A Loan Officer
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